Effective: September 1, 2010
Auto, Truck and Motorcycle Loans Rates APR
61 - 72 Months as Low as  5.20%*
49 - 60 Months as Low as  4.75%*
37 - 48 Months 

       as Low as

     4.50%*

25 - 36 Months as Low as  4.00%*
19 - 24 Months

        as Low as

     2.40%*

Up to 18 Months

        as Low as

     1.80%*

***Variable Rate, Fixed Payment - up to 72 months  Prime + 1.00%

3.25%***

FIXED PAYMENT/VARIABLE RATE SPECIAL - PRIME +0% until 12/31/2010

***APR for Variable Rate loans, which may vary, will be indexed to the highest Prime Rate in the Wall Street Journal on the last day of each month, plus the rate margin indicated above. Your payment is set at time of application and will not change, instead the term may be shortened or lengthened. Conversion to a fixed rate option is available at any tme during the life of the loan. Currently, the initial annual percentage rate (APR) is "discounted" and will be in effect until 12/31/2010. Thereafter, the APR will be the highest Prime Rate plus the margin for the respective loan type. As of 8/31/10 the highest Prime Rate was 3.25% The discounted variable rate is not available for current fixed rate loan refinancing.
Rates apply to new (never titled) or used (previously titled), purchase or refinance, 18-36 month rates are for new loans only refinancing of current SCFCU loans do not qualify
RV and Boat Loans Rates APR
120 Month** as Low as 8.94%*
84 Month as Low as 8.69%*
72 Month as Low as 7.69%*
60 Month as Low as 7.19%*
48 Month as Low as 6.94%*
Up to 36 Months as Low as 6.69%*
***Variable Rate, Fixed Payment - up to 120 months  Prime +3.00%

 3.25%***

 

FIXED PAYMENT/VARIABLE RATE SPECIAL - PRIME +0% until 12/31/2010

***APR for Variable Rate loans, which may vary, will be indexed to the highest Prime Rate in the Wall Street Journal on the last day of each month, plus the rate margin indicated above. Your payment is set at time of application and will not change, instead the term may be shortened or lengthened. Conversion to a fixed rate option is available at any tme during the life of the loan. Currently, the initial annual percentage rate (APR) is "discounted" and will be in effect until 12/31/2010. Thereafter, the APR will be the highest Prime Rate plus the margin for the respective loan type. As of 8/31/10 the highest Prime Rate was 3.25% The discounted variable rate is not available for current fixed rate loan refinancing.
**Vehicles not previously titled
Outdoor Activity Vehicle Loans Rates APR
(ATV, Off-Road Motorcycle, Personal Watercraft, Snowmobile, Etc.)
60 Month as Low as 6.94%*
48 Month as Low as 6.69%*
Up to 36 Months as Low as 6.44%*
Variable Rate, Fixed Payment - up to 60 months  Prime +4.00%

 3.25%***

 

FIXED PAYMENT/VARIABLE RATE SPECIAL - PRIME +0% until 12/31/2010

***APR for Variable Rate loans, which may vary, will be indexed to the highest Prime Rate in the Wall Street Journal on the last day of each month, plus the rate margin indicated above. Your payment is set at time of application and will not change, instead the term may be shortened or lengthened. Conversion to a fixed rate option is available at any tme during the life of the loan. Currently, the initial annual percentage rate (APR) is "discounted" and will be in effect until 12/31/2010. Thereafter, the APR will be the highest Prime Rate plus the margin for the respective loan type. As of 8/31/10 the highest Prime Rate was 3.25% The discounted variable rate is not available for current fixed rate loan refinancing.

Please Note:

  • * All rates disclosed above are done so using the APR (Annual Percentage Rate), and are disclosed with the lowest rate available to our members.
  • ***APR for Variable Rate loans, which may vary, will be indexed to the highest Prime Rate in the Wall Street Journal on the last day of each month, plus the rate margin indicated above. Your payment is set at time of application and will not change, instead the term may be shortened or lengthened. Conversion to a fixed rate option is available at any tme during the life of the loan. As of 8/31/10, the highest Prime Rate was 3.25%.
  • Your rate may vary from the above rates and will be determined by your individual credit history Please call 518.583.2323 to verify that these rates are current.
  • All rates are subject to change without notice.